Immigrants can be very good for housing
California is home to an estimated 2.6-2.8 million undocumented immigrants. Together, they comprise approximately 7% of California’s total population. Many of these individuals believe the doors to homeownership are closed to them, even after years of living, working and paying taxes in this state.
A meager 17% (442,000) of undocumented immigrants are homeowners, according to the National Association of Hispanic Real Estate Professionals (NAHREP). This is much lower than the average 54% homeownership rate in California. Bringing this 17% homeownership rate for undocumented immigrants up to the state’s average homeownership rate translates to an additional one million homeowners.
However, undocumented immigrants seldom have giant piles of cash lying around, so they (like most homebuyers) are reliant on obtaining a mortgage. Fortunately for California’s housing market, undocumented immigrants — and all individuals without a social security number (SSN) — can still become homeowners if they have an Individual Tax Identification Number (ITIN).
According to anecdotal evidence from various banks that offer ITIN mortgages, these mortgages perform better than traditional mortgages, with lower default rates. Obtaining an ITIN mortgage is often more difficult than obtaining a traditional mortgage, thus, only those with exceptional financial qualifications and an extraordinary willingness to go the extra mile to own a home end up taking out ITIN mortgages.
Editor’s note — Statistics on the undocumented immigrant population, homeownership rates amongst undocumented immigrants and ITIN mortgages are often estimates, as many undocumented individuals and the banks that serve them are unwilling to provide data in order to protect themselves from possible deportation.
Where can buyers take out ITIN mortgages?
Not all lenders offer ITIN mortgages, and some who do screen homebuyers for legal status. Probably the biggest reason for this is because Fannie Mae and Freddie Mac won’t purchase mortgages taken out by undocumented immigrants. Thus, the threat of default for ITIN mortgages often lies squarely with the bank that originates the loan.
All the same, when your potential homebuyer lacks an SSN there are still a few ways to find them a mortgage.
Citigroup partners with the Neighborhood Assistance Corporation of America (NACA) to provide ITIN mortgages on a national scale, making it the only major bank to do so. Their California offices are located in Oakland and Los Angeles. Wells Fargo has considered returning to the ITIN mortgage business (it used to offer ITIN mortgages in California during the years leading up to the Great Recession).
There are a few other national banks that lend to ITIN homebuyers, but these are often hard money lenders, offering loan terms as short as a single year with inflated interest rates. The Scotsman Guide provides a list of such lenders.
But for the most part, ITIN mortgages with more reasonable terms can be found through small community banks and credit unions. Even then, expect these mortgage rates to be slightly higher than the average mortgage rate. Since the bank can’t sell the mortgage to Fannie Mae or Freddie Mac, a higher risk premium is warranted. Some banks will also require larger down payments to demonstrate more skin in the game.
Have you had experience assisting a homebuyer with an ITIN mortgage? Share your experience with other readers in the comments below.
I’m looking for ITIN lenders that are licensed in Washington. That dont require over 15% percent down .
Estoy pensando comprar casa en el estado de Pennsylvania tengo solo el iTin pero mi esposa si tiene buen crédito pero no tengo el 20% de down payment necesito saber si me pueden ayudar.
By this time, the tenant has observed everything possible to succeed in perhaps the most
commnon conclusion. If you can answer yes to those three questions you
will be a venture capitalist, as a matter
of fact you don’t even desire a phone or intgernet access.
Normally, the tnants use a choice when selecting
a house, in different area.
Does Bank of America do loan with ITIN? I live in Modesto, California
Nosotros tenemos banco que si lo hace con 20% down payment
Te puedo dar información llámame
562-639-6202
Attencion toda persona Que quiere comprar casa. Si en verda quieren comprar casa y les gustaria Que yo los contacte para atras me hacen el favor de dejarme un mensage con su nombre numero de telefono por favor.
Yo les puedo ayudar pero necesito que ustedes me mande Un txt o me llamen para poder ayudarlos al 760 978-9546.
Si estan listos para hablar conmigo nomas Levante el teléfono y llame al 760 978-9546 y pregunten por Ernesto Gonzalez estoy aqui para ayudar y serviles su Agente de Bienes y Raices.
A uste le gustaria Comprar Una Casa en El Estado donde vive y con su numero de ITIN.
Si la respuesta es si entonces uste llame me al 760 978-9546. Yo solamente les puedo ayudar en comprar la casa pero tengo a Las personas que les pueden hacer el prestamo si uste tiene un ITIN y esta listo para comprar o talves refinanciar una casa en cualquier estado que viva. Llame y pregunte por Ernesto Gonzalez su Agente de Bienes y Raices en California. 760 978-9546
Compre o Venda Casa en Su Propio Idioma.
Con migo en California. Nomas tiene Que Llamar al 760 978-9546.
hola quiero saber si usted nos puede ayudar a financiar una mobile home mi esposo nomas tiene itin y yo tengo seguro pero el es el q ase el ingreso
Llame me por favor al 760 978-9546 gracias Ernesto
If anyone is looking to get a loan that has an ITIN anywhere in the United States, I’m a Realtor in California that has the connection that buyers with an ITIN need to get a loan.
If you need a loan you need to call me if you are ready to Buy or Refinance a house with an ITIN NUMBER.
760 978-9546 Ask for me Ernesto
Si usted tiene un ITIN y quiere comprar Casa en los Estado Unidos llamen me al 760 978-9546.
Hipotecas de ITIN para compradores de vivienda sin números de seguro social
Soy Realtor en El Estado De California
Llame toda persona Que quiere Comprar Con ITIN. Mi numero es el 760 978-9546.
Uste talves pueda comprar casa si tiene el 23% para Dar de enganche y costo de sierre.
Llame hoy para Ser Dueno De su casa manana.
Gracias
Ernesto Gonzalez aqui para serviles.
Si usted esta pensando en comprar Casa con un ITIN oh sin itin por favor llamen me at 760 978-9546.
El prestamista con el que yo trabajo les puede ayudar en otros estado a parte de California.
Llamen me si necesitan ayuda con un prestamo de ITIN y tambien para comprar sin Itin en California. 760 978-9546.
Aqui para serviles futuro Dueno De Casa sin ITIN y Con ITIN dentro y fuera del Estado De California. Yo soy solamente Agente de Bienes y Raices en California. 760 978-9546.
Hola ernesto mi nombre es oscar y me.interesa comprar casa pero em este caso seria una manufactured mobile home tengo un scord de 779 por favor dame una respuesta
Oscar en El momento que me regrece la llamada el prestamista yo le regreso su llamada muchas gracias por aver contactado el dia de hoy.
Espero poder ayudar lo en Ser Dueno De Casa para uste y su familia si es posible ayudarlos. Gracias
Ernesto Gonzalez 760 978-9546
Si algen esta buscando ayuda para comprar casa con un numero de ITIN por favor llame me al 760 978-9546. Yo y prestamistas les podemos ayudar si estan enteresados en comprar en california. Con nosotros si se puede comprar y sin esperar tanto tiempo.
760 978-9546 me llamo Ernesto Gonzalez estoy aqui para ayudar a todo comprador con
Numero De ITIN. 760 978-9546.
Attention toda persona Que tenga un Numero de ITIN Si ustedes quieren comprar casa con el numero de ITIN yo tengo Un prestamista que juntos les podemos ayudar aque su Suenos se aga Realidad llamen al 760 978-9546. Estamos aqui para tratar de ayudarles aqui en California 760 978-9546.
Attention All California ITIN Home Buyer’s if are in need of a Realtor that works with a lender that does Loans for ITIN Buyers in California please feel free to reach out to me.
My name is Ernesto Gonzalez, I work all of California. 760 978-9546
Let’s work in helping you achieve the American Dream that you have been wanting to achieve.
Hola, me llamo sergio. Solo tengo itin number, pero estoy realmente interesado en comprar una casa, puedo dar hasta el 30% de down payment, tengo 7 anios trabajando en la misma empresa, tengo muy buen salario, honestamente nunca he sacado nada a credito, asi que no tengo score de credito actualmente ( pero lo hare para poder obtener mi casa). Vivo en San Marcos CA 92069. Me gustaria encontrar una casa aqui en esta area o por lo menos cerca de aqui. Espero que alguien pueda ayudarme. Gracias.
Llame al 760 978-9546 y pregunte por Ernesto
hola me interasa comprar casa en el area de pescadero ca pero solo tengo ittin # mi credito tambien esta bueno alguien que me pueda ayudar porfavor
760 978-9546
Buenos dias Sergio si todavia no esta trabajando con un Realtor por favor llame me soy Realtor in Carlsbad, Ca 760 978-9546 pregunte por Ernesto.
Sergio yo le puedo ayudar a que uste sea Dueno De Casa si esta listo soy Realtor aqui en El condado de San Diego. 760 978-9546.
Sergio si usted todavia esta buscando a algen Que lo ayude en comprar casa por favor llame me al 760 978-9546. Yo tengo Un prestamista que le puede ayudar a usted y a muchas mas personas que quieran y puedan comprar con un numero de ITIN. Ernesto Gonzalez 760 978-9546
Anyone in California looking for an ITIN home loan should give us a call 707 836 3456. We have a couple different sources for these loans.
Here my contact info:
NMLS ID#1512458
Phone: 707-836-3456
E-mail: fpeavey@bayeq.com
Social security number is the most important subject for security every home. So everyone should be give more important about this subject. I trust the site to help man.
Hello, I’m a licensed loan originator in California with SecurityNational Mortgage Co. – NMLS 3116.
We are listed as Top 50 Mortgage Bank on Scotsman Guide. //www.snmc.com
I am licensed to originate ITIN loans for applicant’s in California.
70% loan to value (for ITIN’s with credit scores)
65% loan to value for (ITIN’s with no credit score)
Please feel free to reach out to me at lawrence.guerrero@snmc.com – NMLS 655573
Hello, i have a friend who wants to purchase a 46k mobile home she has itin her husband has itin and her son has ssn they want to know if there is someone who can help to buy this home? Is in illinois
Hola tengo una amiga que quiere comprar una mobile home de 46k, ellos tienen itin number y su hijo tiene ssn, quieren ver si hay algun banco que les ayude? Es en Illinois
Buenos dias si su amiga todavia no a comprado casa en Illinois por favor llame me al 760 978-9546. Pregunte por Ernesto.
My mom can’t afford here home any more. Her interest rate is too high and would like to refinance but her bank Wells Fargo won’t help her out because she only has an ITiN number.
She wants to use me to refinance her home but I told her I couldn’t do that because I’m only 24 and me doing that would affect me and my future plans.
How can I help her ?
We live in Fresno , CA
You can still help her if you can qualify for a loan. By the time you are ready to purchase your own home, you will still qualify as it will be your primary residence. Any questions call me, I’m a realtor (559) 286-5074
Hi. Iris Aguilar. My partner has itin only . I have SS but unemployed. He is the main household. He works at a dairy. Call me or email me 5596231904
You can help her and once she pays the payment for a year and you are able to document that your not the payee it won’t affect your qualification.
Hi Ernesto my name is Ernesto Gonzalez please call me maybe my itin lender can help your mom to try to refi 760 978-9546.
Good morning if your mom still hasn’t refi her house please call me at 760 978-9546. I have someone that can assist her so she can hopefully refinance her house.
760 978-9546 ask for me Ernesto
I can fund ITIN loans in Texas with 20-30% down under my hard money loan program, we are the direct lender and I underwrite all the loans.
call me 832-214-7030
Leonela Chavarria (hablo Español)
Loan Originator
NMLS 224658
if you do not have a TIN or social security number you can still qualify as long as your can prove the ability to repay the mortgage: 2 yrs of employment history and good probability of continued employment
Hi Leonela
Can you do a home loan in california for persons that has a ITIN# PLS advice I’m a Real estate agent in Ca,
sandraugalderealtor@yahoo.com
Leonela. Where at in califirnia. My partner does have SS .BUT UNEMPLOYED NOW. I HAVE AN ITIN ONLY. HER CREDIT SCORE IS ABOUT 620. WHAT CAN WEDO. THANKS. WE LIVE IN CALIFORNIA. MY NUMBER IS 5596231904
Hi Mari call me iI’m a Realtor in California let’s talk to my itin lender and try to find the solution to your needs and goals. My name is Ernesto my number is 760 978-9546.
Hola Leonela queria saber si ofrecen prestamos para el estado de conneticut por favor dejame saber gracias
Roberto como esta si uste todavia no a comprado casa por favor llame me al 760 978-9546. Yo soy Realtor talves yo le puedo ayudar si gusta y si algun uste no a comprado en su estado.
Muchas Gracias
Ernesto Gonzalez
Any lenders that offer ITIN Loans please let me know. I am a Realtor in California. I have clients who would like to buy with their itin.
Hello, Yes! I do ITIN loans the requirements are 660 Fico score plus 4 trade-lines and 20% Down. L.I.G. Lending NMLS# 1392737
Hello Ruben, I am after an ITIN loan, may I give you a call please or you can call me on 248 716 4646 any time. I am ready to go. Thank you. Talk soon. Always Grateful. Giuseppe.
Hi are you looking to buy with an itin my lender might be able to assist you I’m a Realtor in California. My number is 760 978-9546 ask for me Ernesto
Hello Ruben, what is your number, may I call you, I am after and ITIN loan. Or you may call me on 248 716 4646 anytime. I am ready to go. Thank you. Always Grateful. Giuseppe.
Hi ruben I wounder if you still doing a home loans with the ITIN #? I’m a raltorin Ca, sandraugalderealtor@yahoo.com
Hola yo vivo en Baton Rouge LA alguien sabe quien hace préstamo con el número ITIN, para comprar casa, en Baton Rouge LA
I am living in Baton Rouge LA Please help me get itin mortgage loan.
Hola Geovana, soy un agente inmobiliario en Louisiana. Yo trabajo con un banco que te puede ayudar.
I am a Realtor in Utah and am looking for ITIN programs. Please let me know if you have any information.
801-358-4901
I’m a realtor in conecticutt and know many families who could benifit with ITINs loans. Please contact me with any information.
HI I live in the state if Indiana and I would like to see if you can help me get a home loan with out a SSN I only have the ITIN Number.
Hola a todos! Les comento que en Colorado First bank hace prestamos con ITIN para comprar casa, pero necesitan dar un 30% del valor de la propiedad que quieran comprar, yo consegui un prest amo con un interes del 3.5%
Hola, sabes si los hace en otros estados? Como Connecticut… soy realtor.
Hi MarIcela do u have any information about how can people by a house in california with ITIN s loans , if you know email me back please at gabbyfonseca84@gmail.com. thanks
Hello Gabby, I work in southern California. I will provide you the necessary information. Please call me 424-354-0254.
Hi , check with NACA this organization works for the people who don’t have social and who doesn’t have credit. The process is more longer but it could be worth .. they work in most of the states . I am from new yersey
Hello Carlos,
I would like to purchase a house using a ITIN. Please contact me. Thanks
Where at.plz #
Whats the # plz. I live in visalia ca
Carlos?
Carlos. Email me info. About this loan Naca with no SS inly itin
Estoy buscando prestamo con itin
Toda persona Que quiere comprar casa con numero de ITIN por favor. Mi nombre es Ernesto Gonzalez soy REALTOR en El estado de California. 760 978-9546.
Trabajo con prestamistas que ofrecen prestamos a pepesos con numero de ITIN en California.
Buenos días quisiera saber si se puede comprar casa en California Aitin num gracias
Hola Guadalupe,
En donde vives in California?
Hola Ana Rubio, Mi nombre es Sergio, podrias ayudarme a conseguir un prestamo? solo tengo itin number, tengo para dar hasta un 30% del down payment, voy a cumplir 8anios en el mismo trabajo y tengo un buen salario, nunca he tenido problemas con el banco o problemas con la policia. Vivo en San Marcos CA 92069. Como puedo contactarte?. Gracias
Yo soy Realtor, y te puedo ayudar con esto
Vivo en norte de california
Quiero comprar un townhouse o mobile home
Solo tengo itin number
Tengo 30k para down payment
Podria conseguir un prestamo ?
luis , give me a call at 919-753-5956 I can help you out. Luis llama yo the puedo ayudar
Luis uste todavia piensa comprar casa oh ya compro. Si todavia piensa comprar llame me al 760 97i-9546.
Pregunte por Ernesto
Disculpa yo también busco préstamo con itin vivo en la bay area.
Juan todavia estas pensando en comprar si puedes en the bay area call me at 760 978-9546
Hola cuanto Piden de down, con Itin
Maria se pide entre 10 a 20 % de downpayment 760 978-9546
Hola Guadalupe, Con gusto le puedo ayudar, mi numero de telefono 424-354-0254.
Guadalupe si se puede comprar casa con un ITIN en California yo soy Realtor aqui en El estado de california y ayuda a compradores que tienen un itin llame me por favor 760 978-9546.
Si se puede comprar casa en California con un numero de ITIN soy Realtor en California.
Llame me al 760 978-9546.
Tambien puedo ayudar a personas fuera de California.
Mi nombre es
Ernesto Gonzalez
760 978-9546
hola vivo en pleasanton ca , tengo para la inicial y estoy interesada en una hipoteca con itin number
Si todavia quiere comprar casa con un ITIN porfavor llame me soy agente de bienes y raices I tengo prestamistas que le puede ayudar 760 978-9546.
Hello everyone. I work with a local credit union in Iowa and we offer ITIN loans all of the time. Yes, they are more complicated, can take a little longer but most of that is due to the borrower having to learn and understand the process. If anyone is interested and living in Iowa give me a call at 319-297-3031.
Hi, they only do them in Iowa? I’m a realtor I’m Connecticut, and know many families who could benefit from that.
My parents want to get a home but they have ITIN numbers only and havent found any help yet we currently live in Los Angeles,CA.
Hello Guadalupe, please call me for more information 424-354-0254.
I can assist your parents and anyone else that wants to buy with an itin my lender offers loans to itin buyers in california 760 978-9546 ask for Ernesto Gonzalez
I live in Anaheim CA, I would like some help tru the process, I have a great credit score, a stable job since 2004 and money to put down. I prepared my taxes using an ITIN. Thank you
hi miguel. any answer to your question? i live in OC aswell and would like to get information.
Hello Miguel, Please call me for more information 424-354-0254.
Miguel call me 760 978-9546 I’m a Realtor and work with lenders that offer loans to persons with an itin number just like you have.
I work with ITIN Buyers in California and assist outside of California as well 860 978-9546
760 978-9546
Call me if you are still looking into buying a home with an itin number please. I’m a Realtor in California that assist buyers like you with an Itin all the time.
I know that I can assist you and anyone else in the state of California
Ernesto Gonzalez
760 978-9546
can anyone help with a itin mortgage loan in oregon? i got a client i would love to help achieve his dream
I’m a Realtor and, in previous years, I helped 3 families to buy homes using ITINs. However, the bank I used (Self Help Credit Union, from North Carolina) stopped doing loans in Virginia. They have very reasonable loans. If anybody knows of any bank that does these loans, please contact me ASAP. I have a 20+ list of people waiting for it. Thanks.
Im in TX can you help me?
Hi Monica We will be able to help you here at Southwest Funding Please contact me.
Enrique Morales
What is the number I can call you and get intouch with you? I have a few loans that I need help with
Hi, where can I reach you, I’m interested in a home loan with an ITIN I live in Houston.
Anybody know of a lender who will do ITIN loans in WA? Not a foreign national program, but a program that offers home loans using an ITIN for clients who reside in WA state and work in WA state. thank you , Joshua
Hi Enrique, does Southwest Funding offer Itin loans?
Hey my bame is karina cell # 2149003635 i need help get it a loan for a house with itin #
You you guys help in Connecticut too? I’m a realtor.
Hello Enrique! My name is Gerardo Chavarria . I am currently looking for help. I’m in search of a home loan. I have an ITIN . If you can help please contact me back.
CAN U HELP IN MARYLAND?
I am living NC Charlotte. Please help me get itin mortgage loan.
Can you help in California?
Self-Help Federal Credit Union is making loans to ITIN borrowers in California (and NC and Chicago as well). Go on our website and look for the branch nearest to you.
I’m a Realtor in Connecticut and have clients that need help, does your bank provide loans for ITIN holders in CT?
I my name is Wally I need to refinance wed and itin number have good equity in the property can any body help me please 626 722 30 87…thank you…
Hi I’m a real estate agent in Ca, and I wounder if can you still doiNg a home loans for a person that has ITIN #?
I can help you in california I have the lender that can help you obtain that loan of you have the documents needed. I’m a Realtor in California 760 978-9546
Lower valley credit union , prosser Washington
Hi, My name is Monica De Luna with Brazos National Bank. Please provide me with your contact information I would love to help your clients get into a home. We work with Zero Fico scores and do ITIN loans.
Monica,
do you give loans in WA state?
Hi Monica what’s your contact info.
Can you do loans in WA state?
Hi Monica, my name is Lupe Ramirez, im a Realtor in Iowa. We have so many hispanics with itin numbers wanting to become homeowners. Are you able to lend out here?
I live in south alabama can you help us get a home with itin number? We really need a home asap
I’m very interested
I’m a Realtor in Connecticut and have clients that need help, does your bank provide loans for ITIN holders in CT?
Hello ma’am, my name is khadijatou Ndoye Jones and I’m an ITIN number holder I really need help to buy house in Killeen TX. Please let me know my possibility
hi monica.
in california aswell ?
760 978-9546 Realtor that works with lenders in california to help itin home buyers
Do you serve Connecticut too? I’m a realtor.
Hi….theirs any one can Give me Information I live in Housto Tx, I have only Itin Number, how Bank can Loan Me to buy my House, I have Credit card from Capital One, and Secured Card from Wells Fargo, I don’t Know If That Can Help Me…… Thanks For Any Information
Otoniel, sigues buscando ayuda o no? Hay dos tres companias que siguen dando prestamos hipotecarios con ITIN. Buscame en Facebook -casascristinatexas o en el internet , sitio //www.casascristina.com
I need ITIN loans in Washington state, near Seattle. Please advise. Realtor in Seattle.
Hello I’m living in Melbourne fl do you know if any banks do the loans?
Hello we are looking for help getting a loan in Indiana. Does anyone know if any banks? Thanks
hola lupe yo qui quisiera comprar casa empese con NACA Cree usted q halla posibilidades o no abra un patrocinador sin Un social?
There are many hard working Hispanics that have the same American dream to became home owners I would love to help them achieve this goal. Hay muchisima gente Latina Que desea realizar sus suenos de comprar su propia casa hare todo lo posible de ayudar buscar la forma Maria realtor
Hola Maria
Megustaria poder comprar mi casa en san bruno o south san francisco apartament o townhouse estaria bien
tengo itin mi credito fico es 659
crees que pueda
Miguel todavia esta pensando en comprar Casa si todavia no a comprado por favor llame me al 760 978-9546 soy REALTOR trabajo con itin buyers y tengo prestamistas que pueden ayudar a personas con un ITIN. 760 978-9546
I will contact CITIGROUP to help my community in Los Angeles, San Fernando Valley to be pre-qualified for ITIN mortgage loan. thank you for the info. ESTARE CONTACTANDO a Citigroup in los angeles para mas info en como ayudar a mi comunidad a comprar casa con ITIN. gracias. Lupe Realtor
About 4-5 yrs. ago I due loans thru NACA is a long and time consumption about 6-10 months the program is grate but they don’t have the right personal to make decision,,plus also is confused personal telling you different answer.
Tiene que comunicarse con Naca tienen oficina en Inglewood,yo comense con mucho entusiasmo llendo a muchos seminaries despues de un tiempo me delisuene y abandone.Buene suerte
Hola Lupe Soto, no se si nos podri ayudar a comprar casa con ITIN le agradesco cualquier informacion .( buscando informacion en Google la encontre a used )
Hola lupe yo tambien estoy interesado en comprar casa con itin, estaba en el programa de naca pero se paro porque citi bank dejo de dar prestamos con itin.
Habra otra forma de comprar casa?
Hola Lupe usted podria ayudar a comprar casa. Donde puedo comunicarme con usted. Gracias
Ana si todavia no es Dueno De Casa llame me al 760 978-9546 y pregunte por Ernesto
Hola donde podría comunicarme con usted ?
760 978-9546